As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

COVID-19 Update [May 8, 6:33 PM]
Shelter has extended the date for cancellations and non-renewals for lack of premium payment to May 31, 2020

Now more than ever, you shouldn’t be overpaying for car insurance. Make sure you’re getting the best deal for the lowest price by comparing car insurance on Insurify.

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Residents of 18 states can purchase coverage from Shelter Insurance and enjoy customizable policies, a range of discounts, and the ease of working directly with a local agent. Rates can vary quite a bit depending on your driving history, but those with a clean record will find Shelter Insurance to be an affordable and convenient option. 


Who Benefits Most and Least from Shelter Insurance?

Best For…

  • Those looking to work directly with a local insurance agent
  • Drivers who live in the Midwest or Southern portion of the United States
  • Customers looking for a range of coverage options

Not the Best For… 

  • People who want to purchase insurance online
  • Individuals who want the cheapest rates
  • Drivers that want outstanding customer service during every encounter

Shelter: Affordable auto insurance for Missourians and beyond

The value of working with a local company isn’t lost on many, and Shelter Insurance focuses its efforts on those living in the Midwest and South. Customers can develop an authentic relationship with their agents and are presented with a wide range of policy options to meet their needs. From auto and home to farm, business, and more, the group of Shelter Insurance Companies makes every effort to customize its coverage.

Some might find that prices through Shelter Insurance are slightly higher; however, it’s best to work with an agent to uncover all of the car insurance discounts you may be eligible for. The company relies heavily on its field representatives and requires new customers to work with an agent to purchase coverage. In the locations where agents come and go quickly, customer service can be incredibly lackluster.

Shelter Car Insurance Ratings

Insurify Composite Score: 97 out of 100

Insurify gives Shelter an Insurify Composite Score of 97/100. This score is the result of analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews.

J.D. Power Ratings by Region (out of 1,000)

RegionRatingsState Average
Central855Among the best

Financial Ratings

Company NameRatings
A.M. BestA

Shelter Car Insurance Quotes and Discounts

Each auto insurance company will offer its own set of coverages and discounts. When it comes to Shelter Insurance and its customizable policies, it’s important to keep in mind that doing some research before your purchase could result in saving you some money. Shelter’s prices might initially seem high, but many drivers are eligible for a range of discounts that ultimately lower their costs below competitor’s rates.

To discover the best option for your auto coverage needs in just a few easy steps, make sure that you use Insurify. You’ll be able to view up to 10+ different options at once and select the policy that best meets your needs.

Auto Insurance Quotes Comparison: Shelter vs. Competitors

Insurify’s data team compiled car insurance quotes from Shelter, Progressive, GEICO, and Elephant to see how Shelter stacks up to its competition.

Below are the quotes for a 30-year-old female in Nashville, Tennessee, who has a clean driving record:

Insurance companyQuote

These would be the same driver’s rates if they had a speeding ticket for driving at 75 mph in a 50 mph zone:

Insurance companyQuote

Finally, these would be the same driver’s rates if they were to have an at-fault accident on their record:

Insurance companyQuote

Drivers Can SAVE with these Discounts from Shelter

Shelter auto policies not only offer a variety of custom coverages, but discounts are plentiful and can considerably lower your overall cost. Offering a range of financial services, Shelter customers can save money when bundling their auto policy with homeowners insurance, life insurance, and more. Safe drivers and individuals who take advantage of anti-theft tools may also receive significant discounts, but make sure to check with an agent first, as some discounts are only applicable in certain states.

Shelter offers a 10 percent discount to policyholders who pay for their policy in full. It also provides discounts to safe drivers, members of the military, good students, drivers with multiple cars or multiple coverages, policyholders with vehicles equipped with anti-theft and passive restraint devices, and those who take an accident prevention training course. 

States Where Shelter Car Insurance is Offered

Shelter Insurance was founded in Missouri and keeps its coverage close to home, serving 18 states across the Midwest and Southern portion of the U.S. With over 1,300 agents on its team, the group offers an array of policies through AmShield Insurance Company, Haulers Insurance Company, and Shelter Mutual Insurance Company.

Click here to find the cheapest car insurance quotes in your state.

Shelter Auto Insurance Coverages

If you’re looking for very basic auto coverage, Shelter also offers a “bare-bones” option. Your deductible may vary, and the exact level of coverage could differ based on the state you live in, but in general, Shelter’s auto policies include the following provisions:

Liability coverage
One of the most essential forms of coverage, liability insurance, touches upon two different scenarios: bodily injury and property damage. Whether you are at fault or not, if the other party in an accident gets hurt, your bodily injury coverage will pay toward their medical expenses. Similarly, any property damage they sustain from a collision will, at least in part, be covered by your Shelter policy.

Roadside assistance
You never know when you might end up stranded on the side of the road, and whether you’ve run out of gas, have a flat tire, or your battery is dead, Shelter Insurance is there to help. Its roadside assistance is included with every auto policy and can pay up to $100 per incident.

New Car Replacement
Totaling your car will certainly put a damper on your day, but it’s even more upsetting when it’s a new car. If your vehicle is less than one year old and has fewer than 15,000 miles on it, Shelter will replace it with the same year, make, and model.

For more thorough insurance coverage, consider some of these popular add-ons:

Collision coverage
Depending on the level of damage your vehicle sustains after an accident, your repair bill could be rather high. Instead of having to pay the costs yourself, your collision coverage through Shelter will help to offset your expenses.

Comprehensive coverage
You can think of comprehensive coverage as an umbrella over your vehicle, protecting it from any number of situations that are out of your control. A break-in, vandalization, or other types of damage are often covered under this portion of your policy.

Medical Payments
Cars aren’t the only things that require care and attention after an auto accident, and even a simple visit to the emergency room to make sure you’re okay could cost you thousands. If you include medical payments coverage as a part of your Shelter policy, both you and the other party involved in the accident will get some financial relief when it comes to doctor bills.

Personal Injury Protection (No-Fault)
If you’re hurt in an auto accident, there’s a chance that it will take a few days or even a few weeks before you’re able to return to your normal day to day life, including going to work. Personal injury protection, also known as PIP, can help to offset lost income, childcare expenses, and follow-up visits to your healthcare provider.

Uninsured/Underinsured Motorist – Bodily Injury
Imagine being hurt in an auto accident and finding out that the person at fault doesn’t have auto insurance, or their coverage isn’t enough to pay for your expenses. Rather than being held responsible for these fees, this optional coverage will pay toward your costs if others can’t.

Uninsured Motorist – Property Damage
Similar to the previous option, uninsured motorist insurance protects your vehicle in the event of an accident with a person who isn’t covered. This specific coverage applies to any damages your car sustains and pays toward your repair costs.

Read more about these common components of your car insurance coverage here. 

Other Special Auto Coverages Offered by Shelter Insurance

Car insurance is never a one size fits all product, so Shelter Insurance goes the extra mile to offer additional features that meet your specific needs. Whether you’re concerned about making ends meet while your car is in a repair shop or you simply want the peace of mind that you’ll be taken care of is something serious happens, there is a range of options available:

Rental Reimbursement
Leaving your vehicle in a repair shop for days on end after an accident can make life tough, but rental reimbursement coverage helps to take away some of your stress. Shelter Insurance can pay toward your rental vehicle while yours is being repaired.

Accidental Death
If you or your spouse is killed in an auto collision, the accidental death coverage option will provide you with a payment. This coverage can also be extended to other family members for an additional fee.

Disability Income Coverage
While PIP coverage is excellent for certain scenarios, having to leave work for an extended period after an auto accident can be difficult. If you opt for disability income coverage, you will be paid a stipend each week for up to one year.

Gap Insurance
It’s a well-known fact that vehicles depreciate the moment you drive them off the dealership lot, and when you owe more than your car is worth, it could spell trouble after a major accident. If your vehicle is totaled, gap insurance bridges the space between how much you owe your lender and your car’s value.

Loss of Use
When your car is in the shop after an accident, you could end up having additional expenses related to transportation. To help offset some of the cost, the loss of use option through Shelter Insurance provides you with a single payment.

Read more about commonly added special auto insurance coverages here.

Other Insurance Products Offered by Shelter Insurance

There are many options under the umbrella of Shelter Insurance Companies that can be bundled with an auto policy for even more savings:

Business Auto Insurance
Companies that rely on their vehicles often require a different type of coverage as your personal policy won’t apply in these cases. Shelter Insurance offers a range of customized options to meet varying business needs.

Motorcycle Insurance
If your method of transportation involves two wheels and a motor, you’ll need motorcycle insurance. This type of policy includes many of the same features as standard auto coverage.

Renters Insurance
Imagine if your apartment was broken into or, even worse, caught fire. Replacing your belongings would be expensive, but not if you have renters coverage through Shelter Insurance. This policy also pays toward medical expenses if someone gets hurt while in your residence.

RV Insurance
Although in many ways an RV is similar to an automobile, it’s also a home on wheels and requires specialized insurance. Make sure to contact a local agent for more details and to get a quote.

ATV Insurance
Shelter Insurance has created policies for a wide range of all-terrain vehicles, including dirt bikes, golf carts, dune buggies, snowmobiles, and more. When you consider how much it would cost to replace any one of those vehicles, it makes sense to protect them through an ATV policy.

Boat Insurance
Accidents can happen on the water in the blink of an eye and can end up being very expensive. A boat policy will not only cover your watercraft, trailer, or motor in the event of an incident but may also pay toward bodily injury and damage to other property.

Life Insurance
Based on your family’s needs, Shelter Life provides several different types of policies. Both term and permanent options are available as well as a junior special for children.

Farm Insurance
When you rely on your farm to make ends meet, it’s crucial to protect every element of it that you can. From equipment and property coverage to livestock policies and more, you’ll have peace of mind knowing that you’re covered if something goes wrong.

Home Insurance
Insuring your home is just as important as insuring your vehicle, and whether you live in a mobile home, condo, or you require a specialized type of policy, Shelter Insurance has a solution for you.

Flood Insurance
Many don’t realize that standard home insurance policies do not cover flooding, and even if you don’t live in a flood zone, it’s smart to protect yourself and your property against this occurrence.

Umbrella Insurance
Individuals who have sizable assets might find that an umbrella policy will best meet their needs, as it is designed to cover expenses above and beyond what your other policies can handle. Shelter Insurance requires a minimum of $1,000,000 in coverage for its umbrella policies.

Personal Articles Insurance
If you own expensive jewelry, musical instruments, or have an extensive collection of antiques, your traditional homeowners or renters coverage might not be enough. Many individuals purchase a personal articles policy to insure their valuables.

Business Insurance
Owning a business typically brings along with it a higher level of risk. Whether you’re concerned about the loss of income, an injury lawsuit, or a commercial fire, Shelter Insurance has a range of customizable policies for you to explore.

How Can I Buy Auto Insurance from Shelter?

Those who enjoy being able to purchase auto insurance online might be surprised to learn that Shelter Insurance is only available through one of its captive agents. Simply use the Find an Agent tool on its website to locate your nearest representative and contact them via email, phone, or in person. 

While a Shelter insurance agent can provide you with a quote over the phone, keep in mind that they can only offer pricing for Shelter’s own policies. If you’re shopping for the best value in your state, make sure to use Insurify to compare up to 10 quotes at once.

How Can I Pay for My Shelter Car Insurance Policy?

Shelter Insurance makes it easy to pay your car insurance premium, as customers can choose any of the following options:

  • Visit your local agent to pay your premium in person using cash, check, debit, credit, or money order. Some agents can set up automatic monthly withdrawals from your checking account
  • Mail a check or money order to:
    Shelter Insurance
    1817 W Broadway
    Columbia, MO 65218
  • Call 1 (800) SHELTER to speak with a Customer Service Representative and make your payment using a debit or credit card. You can also set up monthly automatic withdrawals from your checking account
  • Create a My Shelter account and pay your bill online using a credit or debit card or a checking account

How Often Will Shelter Increase My Premiums?

The price you pay for auto insurance is based upon several factors, including your driving history, level of coverage desired, credit score, and more. Shelter Insurance is committed to keeping its insurance policies affordable; however, sometimes, your premium might go up. If you have questions regarding your current coverage and its cost, contact your local agent.

How Does Shelter’s Claims Process Work? 

Filing a claim with Shelter Insurance is straightforward, and in many instances, can be completed entirely online. Simply visit its website and select “File a Claim” under the Claims section. You’ll have the opportunity to provide as many details as you can regarding the incident. 

Additionally, you can file a claim over the phone by calling 1 (800) SHELTER. It’s important to note that glass claims can only be initiated by calling Shelter Insurance directly. You may also be able to work directly with an agent on your claim through one of its claims offices, available in select states. 

The claims process can vary based upon the details of the incident, so it’s best to work with your claims representative to determine what information they need. They will walk you through the process and keep you updated regarding payments, inspections, and more.

Customer experiences are mixed when it comes to the claims process. While some find their claims are handled quickly and easily, others note that they are frustrated with the lack of communication and smaller than expected payments at the close of their claim.

How Can I Cancel My Shelter Car Insurance Policy?

While Shelter insurance does offer customers a plethora of account options through its online portal, canceling your auto insurance policy cannot be done via its website. If you need to cancel your coverage, contact your local agent or call 1 (800) SHELTER.

No matter what state you live in, you are required to carry auto insurance if you drive a vehicle, so make sure that you find a replacement policy before you cancel your coverage with Shelter Insurance. To compare quotes and locate the best coverage for your needs, make sure to use Insurify.

How Much Does Uber/Lyft Coverage Cost with Shelter?

Given that ride-sharing jobs have become so popular, it’s natural to wonder if you are required to have rideshare coverage specifically for those car trips. Shelter recommends speaking with one of its agents to get a better idea of precisely what you need to be protected should anything happen.

Insurance Companies Similar to Shelter

If you live in one of the 18 states served by Shelter Insurance, you might be wondering how this smaller and more local company compares to other options. Most customers find that Shelter’s auto insurance rates are slightly higher than State Farm and Allstate; however, its policy options are far more robust. 

In general, customer satisfaction appears to be similar across the board when comparing Shelter Insurance to other larger companies. Residents in the Midwest and South have a few other local options, including Farm Bureau Insurance, but these policies tend to be somewhat limited compared to what Shelter can provide.

According to Insurify’s internal database of over 2 million car insurance applications and our analysis of external sources, drivers who used to hold Shelter car insurance most often switched to the following companies:

  1. State Auto
  2. Bristol West
  3. Liberty Mutual
  4. Progressive
  6. Safe Auto

Shelter Customer Satisfaction and Policyholder Reviews

The level of customer service that Shelter Insurance provides seems to vary dramatically, leaving some customers absolutely singing its praises and others regretting their time with the company. In general, the most positive reviews come from those who have developed a strong relationship with their local agent and who know they can count on clear communication, upfront pricing, and attention to detail during their claims process:

However, those who are dissatisfied with Shelter Insurance note that their local office goes through agents very quickly, thus eliminating the personal touch the company prides itself on.

In some cases, customers felt that Shelter did not pay as much as it should have on their claim:

Shelter Mobile App Review

While it’s great that Shelter Insurance offers its customers a mobile app to perform basic policy actions, its overall usefulness is a bit underwhelming compared to that of other companies. Users can view policy info and ID cards, pay their bill, and get in touch with their agent along with having the ability to obtain roadside assistance or file a claim. 

However, many complain that the app has been poorly designed and is full of bugs, often not even allowing people to add their accounts or crashing automatically after signing in. Shelter Insurance does not utilize any telematics with its app, a common option that many competitors include as a standard feature.

App storeRatings (Out of 5)User reviews
Mobile App (iOS) 3.41,818
Mobile App (Android) 2.044

Frequently Asked Questions: Shelter Car Insurance

Is Shelter Insurance a good company?

By and large, the Shelter Insurance Companies offer customers a variety of policy options to meet their specific needs. It has received high ratings across many organizations including the Better Business Bureau and J.D. Power & Associates. Customers are often very satisfied with the service that Shelter provides.

Where is Shelter Insurance offered?

Unlike other companies, Shelter Insurance is not available in all 50 states. Based in Missouri, its coverage extends to 18 different states with more than 1,300 local agents.

Are Shelter’s auto rates the least expensive?

Initially, it might appear as if Shelter Insurance auto coverage is higher than some other companies, but it’s important to take all discounts into consideration when making your decision. If you’re looking to find the best rates quickly and easily, make sure to use Insurify.

Is Shelter the cheapest car insurance in your area?

Depending on the state you live in, your driving record, and the specific auto coverage you’re after, Shelter Insurance might offer some of the lowest rates in your area. 

Ultimately, it’s best to use Insurify to make sure you’re viewing real, accurate, and often cheap car insurance quotes from up to 10+ companies at once. Insurify saves you both time and money, letting you discover the perfect policy for your needs.

Shelter Auto Insurance Overview

Shelter Insurance started in 1946 under the name MFA Mutual Insurance Company to offer Missouri residents the best insurance available. It’s expanded considerably since then, serving 18 states across the South and Midwest with over 1,300 local agents, yet stays true to its roots with headquarters located in Columbia, Missouri

Its portfolio of products covers everything a consumer could want when it comes to insurance policies and include options for home, life, farm, and more. Shelter Insurance isn’t necessarily the most up to date when it comes to its use of technology and instead encourages customers to form a relationship with a local agent. Because each representative works differently, overall company customer service can be rather hit or miss.

Shelter Contact Information

Customer service phone number1 (800) 743-5837 or 1 (800) SHELTER
Claims service phone number1 (800) 743-5837 or 1 (800) SHELTER
Roadside assistance phone number1 (855) 817-6510
Headquarters address
1817 W. Broadway
Columbia, MO 65218
Website URL

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Updated May 8, 2020

Courtney Elder has loved to write since age six, yet she didn’t turn it into a career until many years after that. She graduated from Sonoma State University with a degree in Communications, and when she’s not creating content for Insurify, she’s exploring Portland, OR with her kids.